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Difference In Conditions (DIC)/ Flood & Earthquake Insurance provides coverage designed to close specific gaps in standard insurance policies and is usually available only for larger industrial or commercial risks.

Novus Insurance Brokers's DIC policies usually provide catastrophic coverage for perils that present severe property exposures, such as flood and earthquake. DIC policies also can be used to supplement coverage in operations with unusual transit, burglary, and international exposures.

The DIC policy is not designed merely to increase property limits; that can be accomplished by excess property forms. Rather, the DIC policy is designed to broaden coverage by a) providing additional limits of coverage for specific perils when standard markets won't provide adequate limits of coverage, and b) providing coverage for perils that are excluded on standard coverage forms.

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